My goal is to arm you with the tools that will help you negotiate a loan workout plan also known as a loan modification with your lender. Whether your lender is Countrywide, B of A, Wells Fargo, Chase, Wachovia…it doesn’t matter who your lender is, this information works with any lender. Now I have to warn you, this isn’t going to be a walk in the park. While the process is fairly simple it will take time and effort. While I don’t know you, I would be willing to bet this is a fair trade….some of your time and effort for the possibility of avoiding foreclosure, short selling your home, and with great success….you’ll be able to change the terms of your loan.